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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43503 reviews)

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4.94

Based on 43,503 reviews, last reviewed 30th Mar 2026

156250% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent online service, resolved all issue through... Excellent online service, resolved all issue through chatting. Low interest rates, I pay 50% less compared with other credit companies with similar bo... Read more Reviewed on: 30th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 2026

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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (43503)

The best credit card I have ever had fat updates and good rates.

I have been with Zopa for ages and it’s my best experience Reviewed on: 29th March 2022

fluffy

Only just signed up to your credit card but it as come in very useful many thanks Reviewed on: 29th March 2022

Terrific customer service

My experience with Zopa has been fantastic, keep up the great work Reviewed on: 29th March 2022

Good credit card

Easy to use, overall good credit card. Reviewed on: 29th March 2022

The best in a long time!

Nothing is ever to difficult or hard to ask when speaking with the customer service team. The app is really efficient and easy to use. I was very nervous at first - as this Is my first ever credit card. But honestly I’ve been made to feel so safe whilst using Zopa. I decided to go with Zopa as it offered such great monthly APR , especially for someone of my younger age and experience with credit cards. The credit card is a great credit score builder for me and I enjoy using it a couple times a month for fuel and using the app also. Reviewed on: 29th March 2022

quick service good experience

No problems in service, app is nice and easy to use . Highly recommend it. Reviewed on: 29th March 2022

super practical

Zopa is my first credit card and I use it for all my payments It is no coincidence that the online application is quite simple and useful number 1 Reviewed on: 29th March 2022

Superb card

The company and the set up for using the credit card is incredibly straightforward. No hassle, no issues. Exactly what you want Reviewed on: 29th March 2022

Zopa Credit card is not good for me because I am using this card since last 1 year and paying my full statement amount every month but still I didn't get any cards my card Limit to increase.

According to AQUA credit card ZOPA credit card is worst for me because since last one year I am using Zopa card and my credit Limit is same. Zooa credit card doing always HARD credit checks its not good for everyone one. I have AQUA Credit card since last 9 months and they increase my credit Limit 3 time, so I am not recommending to ZOPA credit card to anyone.. Reviewed on: 29th March 2022

Cash dash

Cash there for when am maybe short or see something i really want and able to get it Reviewed on: 29th March 2022

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